let's develop more stars in education. let's invest in our teachers... ...so they can inspire our students. let's solve this. >>> as we hit new record mortgage rates, i just sat down with the ceo of citi mortgage. diana? >> record low mortgage rates and record profits at the nation's big mortgage banks but can consumers say lending is too tight and they are not getting their piece of qe3? first to the news, a civil lawsuit filed by new york's attorney general against jpmorgan chase charging fraud and mortgage-backed securities. in an exclusive interview this morning, i sad sanjay das what this means for citi. >> the whole ongoing litigation is speculative. i can't really tell whether there will be lawsuits or not. i will say that we've put a lot of issues behind us from the settlements that have been done so far. we have done a large settlement as part of the large bank settlement with the international monetary settlement. and we are on the path towards fixing a lot of the issues from there. so we are much more focused on